L-IFT is a social enterprise specialized in Low-Income Financial Transformation (L-IFT). Our purpose is to lift people out of poverty through innovative, appropriate interventions that are given shape by the people who will benefit from these interventions. We identify misunderstood needs of low-income populations by uniquely dynamic repeated interviews to enable evidence driven decision-making. We are specialized in diaries research in economic related fields: financial diaries, livelihoods diaries, agricultural diaries and energy consumption diaries. We look at a large range of issues covering behavior, attitudes, skills and knowledge (BASK). The objective of the diaries research are: - impact measurement and/or programme monitoring, - product development and/or product testing, - programme design and policy formulation The research brings along dual results: a) Appropriately trained staff: the field-research will be done by students for whom the fieldwork prepares them for a career as loan officer in microfinance, mobile money agent or savings group promoter. b) Detailed data on behavior: continuous flow of data on behavior and preferences in the field of financial inclusion, livelihoods, agriculture and/or energy.